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Terms and Conditions

Welcome to FatCatLoans.ca (“Website”, “we”, “us”, or “our”). These Terms and Conditions govern your access to and use of our Website and the services we provide. By accessing or using this Website, you agree to comply with and be legally bound by these Terms, our Privacy Policy, and all applicable laws and regulations in Canada.

1. Definitions

  • “Website” refers to FatCatLoans.ca and all associated pages
  • “Service” refers to our online platform that connects users with third-party lenders and financial service providers
  • “User” refers to any individual accessing or using the Website
  • “Partners” refers to independent third-party lenders, brokers, and financial service providers

2. Acceptance of Terms

By using this Website, you confirm that you have read, understood, and agree to these Terms and Conditions and our Privacy Policy. If you do not agree, you must discontinue use of the Website immediately.

3. Eligibility

This Website is intended for individuals who are at least 18 years of age and residents of Canada. By using this Website, you represent and warrant that you meet these eligibility requirements and are legally capable of entering into binding agreements.

4. Nature and Scope of Our Service

FatCatLoans.ca is operated by Triple Eight Media Pte. Ltd. We are not a lender, broker, financial institution, or financial advisor. We do not provide loans, extend credit, or make credit decisions.

Our Service is limited to collecting user information and facilitating connections between Users and independent third-party lenders or financial service providers. All lending decisions, terms, interest rates, and approvals are determined solely by the lender in accordance with applicable Canadian laws and regulations.

5. No Financial or Professional Advice

The information provided on this Website is for general informational purposes only and does not constitute financial, legal, or professional advice. You should seek independent professional advice before making any financial decisions.

6. No Guarantee of Approval or Terms

We do not guarantee that you will be approved for a loan or financial product, nor do we guarantee specific interest rates, amounts, or repayment terms. Any examples displayed on this Website are illustrative only.

7. User Obligations and Acceptable Use

By using this Website, you agree to:

  • Provide accurate, current, and complete information
  • Use the Website only for lawful purposes
  • Not submit false, misleading, or fraudulent information
  • Not attempt to gain unauthorized access to systems or data
  • Not misuse, disrupt, or interfere with the operation of the Website

We reserve the right to restrict or terminate access where misuse or suspicious activity is detected.

8. Consent to Information Use and Credit Checks

By submitting an application, you expressly consent to the collection, use, and disclosure of your personal information in accordance with our Privacy Policy and applicable Canadian laws.

You authorize us and our Partners to verify your identity and, where permitted, obtain credit or consumer reports to assess your eligibility for financial products.

9. Communications and CASL Compliance

By using our Service, you consent to receive communications from us and our Partners via phone, SMS, email, or other electronic means in accordance with Canada’s Anti-Spam Legislation (CASL).

You may withdraw your consent or unsubscribe at any time, subject to legal or contractual restrictions.

10. Compensation and Business Model Disclosure

We may receive compensation from lenders or financial service providers when Users are referred or matched through our platform. This compensation does not influence lending decisions, which are made independently by the lender.

11. Consumer Protection and FCAC Guidance

Our services are intended to comply with applicable Canadian consumer protection laws, including the Ontario Consumer Protection Act, 2002 and similar provincial legislation.

Users are encouraged to review their rights and responsibilities through the Financial Consumer Agency of Canada (FCAC).

12. Third-Party Services and External Links

The Website may contain links to third-party websites or services. We do not control or endorse these third parties and are not responsible for their content, decisions, or privacy practices. Your interactions with third parties are solely between you and the third party.

13. Limitation of Liability

To the fullest extent permitted by applicable Canadian law, we shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of the Website, reliance on information provided, or interactions with third-party lenders.

Nothing in these Terms excludes liability where such exclusion is not permitted under applicable law.

14. Indemnification

You agree to indemnify and hold harmless FatCatLoans.ca, its operators, affiliates, and partners from any claims, damages, or expenses arising from your use of the Website, violation of these Terms, or misuse of the Service.

15. Service Availability and Modifications

We do not guarantee uninterrupted or error-free operation of the Website. We reserve the right to modify, suspend, or discontinue any aspect of the Service at any time without notice.

16. Fraud Prevention and Security

We may monitor usage of the Website to detect fraudulent or unauthorized activity. We reserve the right to suspend or terminate access where such activity is suspected.

17. Governing Law and Jurisdiction

These Terms and Conditions shall be governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein, unless otherwise required by applicable provincial legislation.

You agree to submit to the jurisdiction of the courts of Ontario for any disputes relating to these Terms or the use of the Website.

18. Dispute Resolution

In the event of a dispute, you agree to first contact us to seek an informal resolution. Where appropriate, disputes may be resolved through mediation or arbitration in accordance with applicable Canadian laws before proceeding to court.

19. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.

20. Changes to Terms

We reserve the right to update or modify these Terms at any time. Continued use of the Website after changes are posted constitutes acceptance of those changes.

21. Contact

If you have questions regarding these Terms and Conditions, please contact us via our Contact Us page.